KR20030057247A - System and method for providing payment service of commercial transaction using a traffic card - Google Patents

Abstract

PURPOSE: A system and a method for settling a commercial transaction using a transportation card are provided to settle goods cost of EC(Electronic Commerce) and service using the transportation card. CONSTITUTION: A transportation card management server(110) stores the information of the issued transportation card by analyzing the transportation card related information transmitted from settlement terminals(140-1¯140-N), and pays a settlement price of the approved transportation card settlement. A card sale terminal(120) transmits a number and a charged price of the sold transportation card to the server(110). The settlement terminals(140-1¯140-N) include an RF(Radio Frequency) card reader executing the fare settlement through the transportation card. A financial organization terminal(150) automatically transfers the selling and charging price from a user's financial account to the financial account of a server's operator, and automatically transfers the price used at the settlement terminal(140-1¯140-N) to the operator's financial account according to a request of the server(110).

Description

System and method for providing payment service of commercial transaction using a traffic card}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a card payment system and a method, and in particular, to a bus and subway fare payment using a traffic card, as well as a commerce payment using a traffic card to execute payment of various commodity transactions such as various vending machines, highway tolls, movie ticket purchases, and the like. System and method.

With the development of technology, the use of cards rather than cash is increasing in commerce. Accordingly, a traffic card payment method has been developed in which bus and subway fares are paid using a traffic card instead of cash.

However, currently used transportation cards can only be used for buses and subways, and cannot be used for payment of goods and services such as tolls, vending machine purchases, and various ticket purchases. In addition, there was a problem inconvenient to use a separate credit card.

Technical problem to be solved by the present invention is to solve the above problems by using a traffic card in addition to the bus and subway fare payment in addition to the development of a transportation card payment system to be used as a means of payment of various goods and services transactions commerce using a traffic card To provide a payment system and method

1 is a block diagram of a commerce payment system using a traffic card according to the present invention.

FIG. 2 is a detailed configuration diagram of the traffic card management server shown in FIG. 1.

3 is a detailed configuration diagram of the payment terminal shown in FIG. 1.

4 is a control flowchart of a commerce payment method using a traffic card according to the present invention.

In order to achieve the above technical problem, a traffic card management server applied to a commerce payment system using a traffic card according to the present invention is a server device for issuing and managing a traffic card, comprising: account member information using a traffic card as a payment means; Analyze the database for storing traffic card issuance information and information related to traffic card payment, a communication module for exchanging necessary data with a terminal connected to a network, and data received from the communication module, and And a control module for issuing a card and executing a card payment settlement process corresponding to transaction information received from a plurality of payment terminals, including subway fare and bus fare settlement.

In order to achieve the above technical problem, a traffic card payment terminal applied to a commerce payment system using a traffic card according to the present invention, in a payment terminal for executing a payment using a traffic card, receives an RF card signal transmitted from a traffic card. An antenna coil for receiving, a signal processing unit for demodulating the RF card signal and converting it into digital data, and controlling the system as a whole, and in particular, interpreting the signal-processed digital data to determine the type of card and paying with the determined card. A control unit that executes a process for requesting payment of a payment by transmitting the transaction information, which is charged with the transportation card, to the transportation card management server according to the determination result, and stores information related to the card type and card payment information. To enter the memory and card transaction information It characterized in that it comprises an input section, a communication interface for executing the display, and the data communication traffic and the card management server via a network for displaying a card transaction-related information section.

According to another aspect of the present invention, there is provided a method for controlling a transaction using a traffic card according to the present invention, the terminal control method of executing a payment using a traffic card, the method comprising the steps of: (a) receiving a payment request using a traffic card; (b) if the payment is requested in step (a), reading the requested traffic card information; (c) analyzing the traffic card information read in step (b) and analyzing (D) executing a transit card transaction authentication in the case of a card of a tradeable type as a result of the determination of step (c), and performing a settlement if the transaction is approved; and (e) the step ( and transmitting the traffic card transaction information settled in d) to a server managing the traffic card used for the transaction, and requesting payment of payment.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

As shown in Figure 1, the commerce payment system using a traffic card according to the present invention is a network 100, traffic card management server 110, card sales terminal 120, charging terminal 130, payment terminal 1 ~ N (140-1 to 140-N) and financial institution terminal 150 are provided.

The network 100 may use an internet communication network that connects computers worldwide through the web, and in order to receive internet services through terminals such as payment terminal 1 (140-1), using a point-to-point protocol, which is software for internet access. An Internet Protocol (IP) address is assigned and the Internet service can be used through a World Wide Web browser. At this time, in order to receive the World Wide Web Service, a web browser such as Netscape Navigator and Microsoft Internet Explorer is started and connected to a server of a desired website to receive desired information. Of course, in case of using a dedicated line, Internet service can be provided using the TCP / IP protocol instead of the point-to-point protocol (PFP). In addition, the network 100 may use a PSTN network.

The traffic card management server 110 analyzes the traffic card-related information transmitted from terminals such as payment terminals 1 to N (140-1 to 140-N), stores the issued traffic card information, and stores the traffic authorized for the transaction. It plays a role of paying the settlement fee through the payment method such as direct debit for the card settlement.

The card selling terminal 120 is a terminal for selling a traffic card, and the sold traffic card unique number and the charged amount information are transmitted to the traffic card management server 110 through the network 100.

The charging terminal 130 plays a role of charging the amount of the traffic card, and the charged traffic card unique number and the charged amount information are transmitted to the traffic card management server 110 through the network 100.

Payment terminals 1 to N (140-1 to 140-N) are payment means including an RF card reader for executing a payment through a transportation card. In the present invention, the payment terminals can be applied to the transportation fare payment means, as well as can be used as a card payment means of commerce other than the transportation fare products. For example, it can be applied to various payment means such as payment vending machine payment, movie ticket payment, highway toll payment, telephone call charges.

The financial institution terminal 150 performs a role of automatically transferring the sales and recharge amount from the user's financial account to the financial account of the operator of the traffic card management server 110 when the card is sold and recharged, and the traffic card used in the payment terminal. In response to the request of the transportation card management server 110, the payment amount is automatically transferred to the corresponding payment terminal operator account through the financial institution terminal 150.

As shown in FIG. 2, the traffic card management server 110 includes a database 210, a control module 220, and a communication module 230.

The database 210 includes a member information database 210-1, a card issue information database 210-2, and a payment information database 210-3 in detail.

The member information database 210-1 stores member information of a customer with a payment terminal using a transportation card as a payment means. The account member information includes the member's personal information and the bank account number to be paid for the card.

The card issue information database 210-2 stores information related to the issued traffic card, such as the sold traffic card unique number and amount information, the charged traffic card unique number and amount information.

The payment information database 210-3 stores traffic card payment information requested or paid by the payment terminal.

The control module 220 includes a card issuance control module 220-1 and a payment control module 220-2 in detail.

The card issuing control module 220-1 performs a role of storing information related to issuance of a traffic card, such as a traffic card unique number issued at the time of issuance of the traffic card and issued amount information, in the database 210.

The payment control module 220-2 stores the payment request information in the database 210 for the amount paid with the traffic card issued by the traffic card management server, and requests for the amount requested for payment as the traffic card payment amount. Automatically transfer to the bank account, and the role of storing the settlement information for the database 210.

The communication module 230 includes hardware and software for exchanging necessary data with terminals connected to the network 100.

Next, as shown in FIG. 3, the payment terminal may include an antenna coil 310, a signal processor 320, a controller 330, a communication interface 340, an input 350, a memory 360, and a display. 370.

The antenna coil 310 receives and detects an RF traffic card signal emitted from the RF traffic card when the RF traffic card is in close proximity. The RF transit card stores the transit card unique number and price information.

The signal processor 320 demodulates the RF traffic card signal detected by the antenna coil 310 and converts the signal into digital data.

The memory 360 stores information related to the traffic card authorization. That is, the unique information of the traffic card transmitted when the traffic card is issued by the traffic card management server 110 and the card payment information settled by the RF traffic card at the time of approval of the goods payment is stored.

The input unit 350 includes key input means for inputting information required for card payment, including the payment price, when a payment is to be made using a transportation card.

The communication interface unit 340 performs a role of executing data communication with terminals connected via the network 100.

The display unit 370 is an output unit for displaying the inputted information on the screen when the card is to be executed using a traffic card.

The controller 330 analyzes the card information data input from the signal processing unit 320 when attempting to pay using the card, and determines the type of the card and determines whether the determined card corresponds to a card that can be charged. To judge. If the determined card type is a traffic card, and the card can be settled, it is determined whether the traffic card unique number corresponds to the traffic card number stored and approved in the memory 36. If it corresponds to the approved transportation card number, the amount entered for payment is compared with the balance stored on the transportation card. If the entered card payment amount does not exceed the balance of the transportation card, the card is approved. After subtracting the amount of money from the balance of the traffic card, and storing the amount of money information with the card in the memory 360 together with the card information, the traffic card management server 110 through the communication interface 340 again. The process of requesting the payment of the credit card payment is executed by sending the card.

Next, a terminal control method for executing payment using a traffic card will be described in detail with reference to the flowchart of FIG. 4.

First, in order to use a traffic card, the user transfers the amount of traffic card to be purchased from the card sales terminal 120 to the operator bank account of the traffic card management server 110 in cash or from the user's bank account, and then receives a traffic card (step). 401).

When issuing a traffic card, the unique number and amount information of the traffic card sold by the card selling terminal 120 is transmitted to the traffic card management server 110 and stored in the database 210 (step 402).

When the user who issued the transportation card attempts to pay for the goods and services using the transportation card (step 403), the payment terminal reads the traffic card information (step 404).

Then, the payment terminal analyzes the read traffic card information to determine the type of card, and determines whether the determined card is a tradeable card (steps 405 and 406).

If it is determined that the card can be traded, the unique number of the card corresponds to the authorized card number, and the card payment amount information is compared with the card balance, and if the card payment amount does not exceed the card balance, the transaction is approved. (Step 408, 409).

If the card payment is approved, the amount of the transaction is subtracted from the balance of the traffic card by the approved transaction amount, and the card information and the transaction information are stored in the memory of the payment terminal and then transmitted to the traffic card management server 110 to determine the card payment amount. Request for payment (step 410).

However, if the result of the determination of steps 406 and 408 corresponds to a card for which no transaction is possible or fails to authenticate, a guide display for this is output (step 411).

Through such a method, it can be used as a card payment means other than the transportation fare settlement using a traffic card. For example, when a payment terminal capable of paying by a traffic card is installed in a vending machine, a movie ticket vending machine, a highway toll payment machine, or a telephone, the transportation card is used for payment of goods in addition to subway and bus fare, payment for a movie ticket, payment for a highway toll. It can be used for various payment methods such as payment and telephone call payment.

The invention can be practiced as a method, apparatus, system, or the like. When implemented in software, the constituent means of the present invention are code segments that necessarily perform the necessary work. The program or code segments may be stored on a processor readable medium or transmitted by a computer data signal coupled with a carrier on a transmission medium or network. Processor readable media includes any medium that can store or transmit information. Examples of processor-readable media include electronic circuits, semiconductor memory devices, ROMs, flash memories, E ² PROMs, floppy disks, optical disks, hard disks, optical fiber media, radio frequency (RF) networks, and the like. Computer data signals include any signal that can propagate over transmission media such as electronic network channels, optical fibers, air, electromagnetic fields, RF networks, and the like.

Specific embodiments shown in the accompanying drawings are to be understood only as examples of the present invention, and are not intended to limit the scope of the present invention, but also various technical scope described in the present invention in the technical field to which the present invention belongs. It is obvious that the invention is not limited to the specific configurations and arrangements shown or described, as other changes may occur.

As described above, according to the present invention, by installing a card payment terminal that can be paid by a traffic card, such as a vending machine, a highway toll collector, a ticket vending machine, and the like, by controlling the issuance and payment of the traffic card collectively, In addition to the subway and bus fare payment, it can be used as a means of payment of various products, such as vending machine products, ticket purchases, resulting in a convenient effect.

Claims (8)

A server device for issuing and managing a transportation card, A database for storing account member information, transportation card issuance information, and information related to transportation card payment, using the transportation card as a payment means; A communication module for exchanging necessary data with a terminal connected to a network; And Interpret the data received from the communication module, issue a traffic card according to the analyzed result, and execute a card settlement settlement process corresponding to transaction information received from a plurality of payment terminals including settlement of subway fare and bus fare. And a control module for transmitting the traffic card management server. In the payment terminal that executes the payment using the transportation card, An antenna coil for receiving an RF card signal transmitted from the traffic card; A signal processor for demodulating and converting the RF card signal into digital data; The system controls the system as a whole, and in particular, analyzes the digital data processed by the signal to determine the type of card and determines whether payment is possible with the determined card. A control unit which executes a process of requesting the payment for the payment; A memory for storing information related to card type and information related to card payment; An input unit for inputting card transaction information; A display unit for displaying card transaction related information; And And a communication interface for executing data communication with a traffic card management server through a network. The traffic card payment terminal according to claim 2, wherein the memory stores the traffic card payment approval information. The traffic card payment terminal according to claim 2, wherein the traffic card payment terminal is installed in a vending machine for selling a predetermined product unattended, and executes the payment for the product sold in the vending machine. The traffic card payment terminal according to claim 2, wherein the traffic card payment terminal is used as a card payment means other than a traffic fare product and a traffic fare product. In the terminal control method for executing the payment using the transportation card, (a) receiving a payment request using a transportation card; (b) if the payment is requested in step (a), reading the requested traffic card information; (c) analyzing the traffic card information read in step (b) to determine whether the card is a tradeable type; (d) executing a traffic card transaction authentication in the case of a card of a tradeable type as a result of the determination of step (c), and performing settlement if the transaction is approved; And (e) transmitting the traffic card transaction information settled in step (d) to a server managing the traffic card used for the transaction, and requesting payment of a payment; . 7. The method of claim 6, wherein the payment terminal of the traffic card is installed in a vending machine that sells a predetermined product unattended, and executes the payment of the product sold in the vending machine. 7. The method of claim 6, wherein the payment terminal of the traffic card is used as a card payment means other than a traffic fare product and a traffic fare product.